Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$123,281Cash toward the purchase price.
Closing costs + prepaids$7,983Not just lender fees.
Before credits & paid funds$131,265The complete starting cash picture.
Estimated remaining funds due at closing
$131,265No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$123,281.32
Your down payment$123,281.32
Closing costs + prepaids$7,983.24
Total buyer cash needed$131,264.56
Remaining funds due$131,264.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$1,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$128.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$372.50
Initial HOA (3 months)$762.00
Prepaid interest, first (2 days)$12.15
Fees + prepaids$7,983.24
Your down payment is the seller’s equity. You take over the $25,719 balance, so the rest of the $149,000 price is paid at closing. A second mortgage can cover part of it. $131,264.56 is due at closing. Uses and sources reconcile at $156,983.24 each. Not a Closing Disclosure.